After our second child, I finally sorted out life insurance. Averon compared plans from a dozen carriers and walked me through every trade-off — without ever steering me toward the priciest one.
ACA MARKETPLACE · OBAMACARE
ACA coverage built around your doctors and budget
We compare Marketplace plans against your doctors, prescriptions, and income, check your subsidy, and enroll you. In English, Spanish, or Russian
-
Licensed agent
-
Help at no cost
-
Quick enrollment
PICKED FOR YOU
SilverExample: family of 3, income $40,000 a year
- Full price
- $1,959
- Subsidy
- − $1,823
- You pay
- ≈ $136 / mo
- Your doctor is in the plan’s network
- Your prescriptions are on the drug list
- Yearly costs worked out
Sergey Nesterov Licensed agent
WHAT IS ACA MARKETPLACE
A health plan marketplace where the law sets the rules
Private insurers sell plans here under one set of rules. This marketplace is often called Obamacare.
-
No one can turn you down or charge you more because of your health
-
Every plan covers doctors, hospitals, and prescriptions
-
Your yearly medical costs are capped
COST AND SUBSIDY
What you pay depends on your income, not just the plan
The premium tax credit caps the share of your income that goes to coverage. Answer three questions to see your limit
HOW WE CHOOSE A PLAN
The questions we ask of every plan
The monthly price is only the first step. Then we check your doctors and prescriptions and estimate your costs for the whole year
Your doctors
Every plan has its own network of doctors and hospitals, and even one insurer can have a different network for each plan. Before we suggest a plan, we check that the doctors and clinics you already see are in its network, so a new plan doesn’t mean a new doctor. If your doctor isn’t in any suitable plan, we tell you up front and help you weigh the options.
Your prescriptions
Every plan has a formulary, a list of covered drugs split into tiers with different copays. We check that each medication you take is on the list, which tier it falls into, and whether it needs prior authorization. That way you know what you’ll pay at the pharmacy before you enroll.
Yearly costs
The real cost of a plan is the premiums plus what you pay when you get care: the deductible, copays, and coinsurance, up to the out-of-pocket maximum. We work out two scenarios, a typical year with checkups and prescriptions and a year with serious treatment, so you can see which plan actually costs you less, not just on paper.
Find my plan
Plan selection and enrollment in an ACA plan are free for our clients and don’t change the final price
WHY AVERON
Same price. We handle the details
An ACA plan costs the same whether you enroll on your own or through us. The difference is who checks the details and stays with you all year
| On your own on HealthCare.gov | With Averon a licensed agent by your side Free | |
|---|---|---|
Language
|
Language The site and documents are in English or Spanish | Language Your agent speaks with you in English, Spanish, or Russian |
Doctors and prescriptions
|
Doctors and prescriptions You check the network and drug lists yourself | Doctors and prescriptions We check your doctors and prescriptions |
Yearly costs
|
Yearly costs The site estimates costs from averaged data | Yearly costs Costs based on your doctors and prescriptions: a typical year and a year with treatment |
Application and documents
|
Application and documents You fill out the application and answer Marketplace requests yourself | Application and documents We fill out the application for you and send any documents the Marketplace asks for |
After enrollment
|
After enrollment You keep track of payments, income changes, and renewal yourself | After enrollment We remind you about payments and renewal and help when your life changes |
Plan price
|
Plan price The insurer sets the price | Plan price The price stays the same with our help |
- Licensed agency
- NPN 22255483
- Licensed in 30 states
- license list available on request
- Independent
- we compare plans from many insurers
CLIENTS STORIES
Advice that works for you not the carriers
Independent guidance across health, life, and supplemental plans. Here's what that looks like for real families.
I was drowning in ACA options. My advisor narrowed it to three plans that actually fit my budget and kept my doctors — then handled all the paperwork.
They work for me, not the insurance company. That's the whole difference.
Same day I called, I had real options — in plain English.
They added dental and a critical-illness rider I didn't even know existed. No upsell — just the pieces that made sense for our family.
At renewal they re-shopped my policy automatically and saved me $340.
HOW ENROLLMENT WORKS
Just three steps to your policy
We do all the work. All we need from you is some information
-
STEP 01
Tell us about yourself
Share details about yourself and your family in our interactive chat. We use them only to find options that fit your situation
-
STEP 02
We find your options
We compare many plans on subsidy, doctors, prescriptions, and yearly costs, shortlist the best ones, and leave the final choice to you
-
STEP 03
First payment
The insurer sends you a bill, which needs to be paid by the first day of the next month
-
DONE
Your policy is active
Your policy is issued and in effect. It will show up in your personal account a little later, and that’s where we’ll remind you about everything important
WHEN YOU CAN ENROLL
You can’t enroll in an ACA plan just any day
Open enrollment happens once a year. The rest of the time, you can only get a plan after a major life event
OPEN ENROLLMENT PERIOD
November 1, 2026 — January 15, 2027
Opens in 11 days
November 2026
1
2345678
9101112131415
16171819202122
23242526272829
30
December 2026
123456
78910111213
1415
1617181920
21222324252627
28293031
January 2027
123
45678910
1112131415
1617
18192021222324
25262728293031
- November 1 – December 15 Enroll by December 15 and your coverage starts January 1
- December 16 – January 15 Enroll by January 15 and your coverage starts February 1
- January 16 – October 31 You can enroll only after a qualifying life event
SPECIAL ENROLLMENT PERIOD
January 16, 2027 — October 31, 2027
Outside open enrollment, you can get an ACA plan only after one of these qualifying life events
- Losing coverage after leaving a job
- Birth or adoption of a child
- Moving to a new state
- Moving from another country
- Getting married
- Losing other coverage
Sign up now
Open enrollment is closed right now, but you can sign up today so you don’t miss it. We’ll reach out as soon as it opens
Sign me up
Plan selection and enrollment in an ACA plan are free for our clients and don’t change the final price
Dates apply to states that use HealthCare.gov. States with their own marketplace may have different deadlines, and we’ll tell you the exact dates for your state. The Marketplace confirms your eligibility for a special enrollment period and may ask for documents
QUESTIONS AND ANSWERS
The essentials, short and honest
About prices, subsidies, deadlines, and what happens after you enroll
01How much do our services cost?
Plan selection and enrollment are completely free for our clients. And the final price of the plan stays the same whether you enroll through us or through any other platform.
02What do you gain by enrolling through us instead of on your own?
The difference is all the work we take on: we get to know your situation, check your doctors and prescriptions, and then find and enroll you in the best-fitting plan once you’ve approved it. The price stays exactly what it would be if you did everything yourself.
03Do you qualify for a government subsidy?
It depends on your state, expected income for next year, household size, any coverage your employer offers, and other factors. We always check whether a client qualifies, so the monthly premium can be lowered legally.
04What if your income changes during the year?
Let us know, and we’ll update the policy the Marketplace issued. If your income ends up higher than you reported, you may have to pay back part of the subsidy when you file your tax return.
05Can you enroll outside the open enrollment period?
Yes, during a special enrollment period, but only within 60 days of a qualifying life event, such as moving, losing other coverage, getting married or divorced, or having or adopting a child.
06Can you get a plan without a green card?
ACA plans are available to everyone, but the subsidy is now available only to U.S. citizens and green card holders. People with asylum or work visas will have to pay the full price for their policy.
07What happens after you enroll?
After a while, the insurer you enrolled with sends you a payment link. For the policy to take effect and for the insurer to mail it to your physical address, the first payment has to be made by the first day of the next month.
08Can you be turned down or charged more because of an illness?
No. ACA plans can’t turn you down, charge you more, or exclude treatment because of conditions you had before enrolling, whether it’s diabetes, pregnancy, or a past surgery. The price depends only on your age, state, household, the plan you choose, and a few other factors.
09How much will you pay if you get seriously ill?
No more than the yearly out-of-pocket maximum set by the government. Every ACA plan has one, and the law caps it. Once your deductible, copays, and coinsurance reach that limit, the plan pays in full for covered in-network care for the rest of the year.
CONSULTATION
Got more questions?
Message us in the chat or leave your number, and a licensed agent will help you sort it out
Support chat
The assistant replies 24/7
We built a knowledge base and trained an assistant on it, so you can get qualified answers as fast as possible. If the assistant gets stuck, it hands the conversation over to a real person.
Can I get coverage outside the open enrollment period?
Yes, if you’ve had a qualifying life event, for example a move, a marriage, the birth of a child, or losing your health coverage.
